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NGABE UNGOMUNYE wabantu baseS. Africa abakhala ezimathonsi ngezindleko zamabhange" Izinkulungwane zabantu baseS. Africa bazithola bempitshelwe ekhoneni, bephoqeka ukuba bavule ama-akhawunti asebhange ukuze kusizakale abanye abantu.
Funda ngalezi zimfihlo ngezimali ezibizwa amabhange ukuze ukwazi ukubuyisa amandla, unciphise izindleko zokubhenka. Nazo-ke...
Zithathe njengebhizinisi
Lokhu kusho ukuthi:
lHlaziya ngokucophelela unqume ukuthi yiziphi izidingo zakho zokubhenka: Ngokwenzenjalo ngeke uvume ukuxinwa ukuba uvule i-akhawunti ezokwenza ukuba ukhokhele izinto eziningi kunalezo ozidingayo.
lYazi uhlobo lwempilo oyiphilayo: I-akhawunti eshibhe kunawo wonke kungenzeka ingabi ngeshibhe kunawo wonke uma ungakwazi ukufinyelela emalini yakho ngaphandle kwezinkinga.
lHleleka: Amabhange amaningi ayakugcizelela ukuthi ikhadi lasebhange likwazi kanjani ukukunika inkululeko yokukhipha imali emishinini amahora angu 24 ngosuku. Kuyiqiniso lokho, kodwa thola ukuthi imishini yemali yasebhange lakho ikhona yini ezindaweni ovame ukuba kuzona. Ngaphandle kwalokho, ungazithola usukhokha imali yokusebenzisa iSASWITCH, evame ukwengeza okungenani uR5 ezindlekweni zokukhipha imali.
Uma une-FlexiSave noma i-ActiveSave Account yakwa-ABSA, khumbula ukuthi le mishini yasebhange esezitolo nasemagaraji, njalonjalo, ebhalwe ukuthi yesekwe u-ABSA ("supported by ABSA") izokukhokhisa R2,80 ngaphezu kwemali eyejwayelekile ekhokhelwa ukukhipha imali emshinini.
lKhumbula iminyaka yakho: Uma ungumfundi ongaphansi kweminyaka engu 24, bheka izaphulelo ongazithola emabhange ahlukahlukene njengoba amabhange ethanda kakhulu ukuheha amakhasimende asemancane ngethemba lokuthi azobambelela kuwo ungunaphakade.
Zikale
Ukuze uphathe i-akhawunti ngempumelelo kufanele uzazi ukuthi ungumuntu onjani ngasemalini. Zibuze ukuthi ingabe ungumuntu:
lOthanda ukuyiphatha bukhoma imali: Uthokoziswa ukuyizwa isentendeni yesandla sakho imali ngakho ukhetha ukuzikhokhela wena ama-akhawunti akho ngokheshe. Funa i-akhawunti okushibhile kuyona ukukhipha ukheshe:
uI-Postbank Smartsave ayikukhokhisi lutho ngokukhipha ukheshe kanti futhi nemali okwazi ukuyikhipha ayinkulu. Uma unale akhawunti ungakwazi ukusebenzisa ibhuku - ikakhulu maqondana nalabo abathanda ukubona izibalo phambi kwabo ngaso sonke isikhathi - kodwa kudingeka ukwazi ukufinyelela eposini kalula ngezikhathi elisuke livuliwe ngazo.
uI-FNB Smart Account ikuvumela ukuba ukhiphe ukheshi emishinini okukhokhwa kuyo ezitolo kanye nakuma-ATM amancane ngo R1,50 kuphela - kodwa isitolo okhipha kusona singakubekela umkhawulo wokuthi yimalini ongakwazi ukuyikhipha. Kungaya ngokuthi mngakanani ukheshi leso sitolo esinawo. Kwi-ATM eyejwayelekile ukhokha R6 ukukhipha ukheshi ongaze ufike emkhawulweni obekelwe ikhadi lakho.
uI-akhawunti yakwa-Capitec ikubiza R1,80 kuphela ukukhipha ukheshi wanoma yimalini ngesikhathi futhi uthola nezitatimende mahhala. Kepha yize noma leli bhange likhula futhi linezikhathi elivula ngazo ezingcono kunezawo wonke amabhange, alinawo amagatsha amaningi.
uI-Go! Account ikukhokhisa R2 kuphela ngokukhipha ukheshi ezitolo zakwa Pick 'n Pay, ikukhokhise R3 uma uzokhokhela impahla uphinde ukhiphe nokheshi.
uI-Mzansi Account ikukhokhisa cishe R4 kuya ku R5 ngesikhathi uma ukhipha imali emshinini, kuye ngokuthi yiliphi ibhange - kodwa uma ukhipha izikhathi ezingaphezulu kwalezi ezinhlanu ezivunyelwe ngenyanga uzokhokhiswa inhlawulo.
uI-Nedbank Transactor Account, eshibhile kunamanye ama-akhawunti oMzansi njengoba ikubiza R4,45 njalo uma ukhipha imali emshinini, ikunika into ebaluleke kakhulu, ithuba lokwenza ama debit order, iningi lama-akhawunti oMzansi elingakuvumeli ukuba uwenze okwamanje, ngaphandle kweyasePosini.
lUwumuntu wekhadi: Uthanda ubukhazikhazi obuhambisana nokukhipha i-credit card noma idebit card yakho futhi kuyakuthokozisa nokuthi awuhlali uphethe ukheshi omningi. Kodwa khumbula:
uUma usebenzisa i-debit card awukwazi ukusebenzisa imali engaphezulu kwaleyo onayo kwi-akhawunti yakho, kodwa ukhokhiswa imali ethile njalo uma uyisebenzisa - ngaphandle kwaseCapitec, lapho kumahhala khona lokhu. Amanye amabhange akukhokhisa phakathi kuka R1,50 no R4,90, kuye ngesikhungo esilikhiphile.
uAkufanele kube khona imali oyikhokhela ukusebenzisa i-credit card - kanti uma isitolo esithile sizama ukukukhokhisa, sicebe ebhange lakho.
uKunemali ekhokhelwa i-credit card ngonyaka. Amanye amabhange aseqale ukuheha amakhasimende amasha nawo asizakalayo, njengoFNB onikeza amalunga omndeni ikhadi lesibili mahhala. Uma ukhetha lokhu, khumbula ukuthi nonke kufanele nibambisane ekukhipheni iziliphu zokusebenzisa amakhadi ukuze ningazitholi senikhokha inhlawulo yokulisebenzisa ngokweqile ikhadi.
uGwema ukukhipha imali nge-credi card njengoba lokhu kuyinto engase ikubize imali enkulu. Uma kunesimo esiphuthumayo, khipha imali encane ukuze ungakhokhi imali enkulu.
lUwumuntu wamasheke: Uma uthanda ukukhokha ngesheke, qaphela...
uLena yindlela ebiza kunazo zonke yokukhokha, ngoba amasheke ayinkinga emabhange njengoba kudingeka athole imvume yokuwakhokhela futhi avimbele ubugebengu.
uUkukhokha ngesheke kuhamba kancane, njengoba isikhathi sokulinda ukuba likhokhelwe singathatha izinsuku ezingafika kwezingu 15.
uUma ucabanga ukuthi imininingwane yakho iphephile, cabanga futhi - inombolo yakho ye-akhawunti kanye nekhodi yegatsha lebhange lakho kubhaliwe eshekeni.
uIzitolo eziningi azisawemukeli amasheke ngenxa yezinga eliphezulu lobugebengu eS. Africa, ezinye zifuna omazisi - okungenye into engase ikulahlekele uma uhlale uyiphethe.
lUkhonze ukuqhafaza izinombolo: Selokhu kwathi nhlo uyayithanda inkululeko oyinikwa yi-ATM yokubhenka ngesikhathi esithandwa nguwe endaweni oyithandayo kanti futhi izinhlobo ezintsha zamaselula zaziwa uwena kuqala. Amabhange azama kanzima ukwenza ukuba amakhasimende kube yiwona azenzela umsebenzi wokubhenka, ukuze anciphise isibalo sabasebenzi nesamagatsha, kwehle nezindleko - kodwa cabanga ngalokhu:
uHlelela ukuba ama-akhawunti akho uwakhokhele emshinini. Lokhu kubiza ngokuthe xaxa kunokukhipha ukheshi, kodwa emva kokuya kanye ebhange uyokuhlelela lokhu, uyakwazi ukukhokha usebenzisa noma yimuphi umshini. Ayikho ingozi yokulahlekelwa ukheshi, yize noma kuzobe kusadingeka ukuba uligade ikhadi lakho.
uZama ukubhenka nge-internet. Ukwenza inkokhelo ngokuvamile kunezindleko ezilinganayo nalezo zokuyenza ngokusebenzisa umshini wasebhange, kodwa amanye amabhange akunikeza okunye okuthe xaxa njengezitatimende zamahhala kwi-internet. Ikhomphyutha esetshenziselwa ukubhenka nge-internet kufanele ibe nokokuyivikela ngokufanelekile, ibhange lakho lingakuchazela ngalokho.
uUkubhenka ngeselula. Cishe siphindaphindeke ka-20 isibalo sabantu abanamaselula uma siqhathaniswa nesalabo abane-internet ngakho-ke uyazibonela nawe ukuthi kungani kuthiwa amaselula ayikusasa lokubhenka ngaphandle kokuba uye ebhange lapha eS. Africa.
Bala izindleko zakho
Uma usuzazi ukuthi ungumuntu onjani ngasemalini, kudingeka ukuba ukhethe i-akhawunti ekufanele futhi ehambisanayo nendlela osebenzisa ngayo imali:
lBala izindleko ze-airtime yakho: Uma ufuna ukuthenga i-airtime, bala ukuthi kushibhile yini ukuyithenga kwi-ATM - noma ukuyithenga ngqo ngeselula. I-FNB Smart Account ikukhokhisa R1,50 ngokuthenga i-airtime kwi-ATM kanti i-ABSA FlexiSave ikukhokhisa R3. Kodwa ukukhipha uR250 emshinini wakwa-ABSA bese uyothenga i-airtime kuzokubiza R5,05. Okushibhe kunakho konke ukuyithenga nge-debit card yakwa-Capitec njengoba kuzokubiza 75c kuphela.
lHlanganisa: Khumbula futhi ukuthi uma ukhipha kaningi kwi-akhawunti yakho, uzokhokha kaningi. Ngakhoke uma ukhipha imali encane kaningi - ukwenza isibonelo, ukuze ukhokhele leso naleso sikweletu - kufanele ukhethe ibhange elizokukhokhisa kancane uma ukhipha ukheshi, noma elingezukukhokhisa lutho, noma ukhiphe isamba esisodwa esikhulu. Ngaphandle kwalokho, kushibhile ukukhokha izikweletu zakho usebenzise i-credit card noma i-debit card ehhovisi noma kwa-Easypay, nge-stop order uma i-akhawunti yakho ikuvumela lokhu noma ngesheke - futhi uyobe ungahambi uphethe ukheshi omningi.
lGwema ukukhokhiswa lezi zimali: Uma unenkinga yokungaholelwa njalo ngesikhathi, ungathola ukuthi uchitha imali eningi ngenhlawulo oyikhokha uma i-stop order noma i-debit order ingayitholi imali kwi-akhawunti - amanye amakhasimende akhokhiswa amakhulu ambalwa amarandi uma lokhu kwenzeka okungakufaka esikweletini esikhulu impela. Ngakho-ke bheka ama-akhawunti angeke akukhokhise kakhulu uma unale nkinga, njengeStandard Bank E-Plan ekukhokhisa R31,50 nje kuphela futhi engeqi ekukukhokhiseni le mali kabili kuphela ngenyanga, kanti iCapitec ingcono kakhulu ngoba ikukhokhisa R2 kuphela nge-debit order ebuyele emuva.[z]
BONA ZULU - March 2006
Uphenyo lukaBONA
Amabhange akuqola imali"
Yebo, kusho uDkt Hans Falkena embikweni wabeReserve Bank ezinyangeni ezingu-18 ezedlule. Ithimba lakhe lathola ukuthi uma kuqhathaniswa ne-Austria, US, Germany, ne-UK, Australia neCanada, izimali zama-akhawunti zaseS. A. zimba eqolo kakhulu - nokuyimali eyedlula eyeCanada ngamaphesenti angu-142.
Amabhange akuleli aphinde abambe imali yezinto eziningi eziluchunge ngemisebenzi ewenzela umphakathi, nokuthi lapho sekuhlangene athole inzuzo engu-55 percent, ngokusho kwabeWorld Bank uma uwuqhathanisa no-40 percent wamazwe athola inzuzo enkulu nangaphansi kuka-30 percent kumazwe athola inzuzo encane.
Sinazisa ngezindlela ezilula zokwehlisa izindleko zebhange ukuze usale nemali eningi ephaketheni...
Uma uthanda ukusebenzisa imali, hlakanipha ukhethe ibhange elibamba imali encane kwi-ATM.
BONA ZULU - March 2006
indaba nguPATRICIA McCRACKEN
u
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Ayikho into ewukuthembeka emabhange namuhla.
